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Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. The manufacturer was completely unwilling to repair or replace it, but once again I remembered my Amex extended warranty policy and filled out an online claim form. When evaluating offers, please review the financial institutions Terms and Conditions. However, this does not influence our evaluations. American Express purchase protection works by covering the damage or theft of eligible purchases for up to 90 days after the purchase date. Editors note: This is a recurring post, regularly updated with new information. Please visit americanexpress.com/benefitsguide for more details. Related: How an often-overlooked credit card benefit put $1,400 back in my wallet. Related: Your guide to the Chase Ink Business credit cards. Items purchased for resale, professional or commercial use. Please review. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Terms apply to the offers listed on this page. The Capital One Venture X Rewards Credit Card is an excellent everyday spending card. Battle of the premium travel rewards cards which is best for you? Related: Best credit cards with purchase protection. Here are our picks for the. 0 Cristina Gibson is a writer and journalist who has covered consumer goods, fashion, technology, and travel for more than 15 years. The American Express Platinum card purchase protection insures items bought with this card for up to $10,000 per incident and $50,000 per account per year. *Benefits may vary by issuer. Purchase Protection can help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Purchase Protection If your eligible item* is either stolen or accidentally damaged up to 90 days after you've bought it, we'll reimburse you up to 2,500. %PDF-1.6 % The first claim was for a childs bicycle seat that was supposed to mount on my bikes handlebars. So, forgetful consumers may want to put their purchases on one of American Express' premium cards that include lost items under the Amex purchase protection benefit. If an eligible item is lost, accidentally broken, or stolen within 90 days of the purchase date, Amex may reimburse its value. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Quick Points: Hyatt Globalists get free parking on award stays, What are points and miles worth? update? Coverage is limited to the amount charged to your card, up to $10,000 per item and $50,000 per card each calendar year.^. Please review. Other shopping protections: The extended warranty protection extends eligible manufacturers warranties of three years or less by one additional year. bought the Airpods Max and ended up loosing them on my flight, I put them in the seat pocket in front of me during the meal and completely forgot that they were in there. Here are some tips to help you navigate this growing trend. Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Keep in mind that not all purchases or items are covered . This information may be different than what you see when you visit a financial institution, service provider or specific products site. He covers credit cards, loyalty programs and family travel. Flexibility, point transfers and a large bonus: Bank of America Travel Rewards credit card. Note that purchase protection is different from. Unfortunately, if you're affected by a natural disaster, AmEx purchase protection only covers a maximum of $500 in claims per event. How do I Earn Membership Rewards Points? Official application link: Blue Cash Everyday Card from American Express. Call 1-800-243-0198 for more information. Other shopping protections: Extended warranty protection offers one additional year of coverage for items with an original manufacturers warranty of five years or less. Related: Why I switched from the Chase Freedom to the Chase Freedom Flex. Shopping online for a car is an accelerating trend changing the purchase process from start to finish. Earning rates: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%) and 1% cash back on other purchases. Note that purchase protection is different from price protection and extended warranty coverage, other credit card benefits you might be eligible for. Get more smart money moves straight to your inbox. While extended warranty coverage offers more comprehensive damage protection, purchase protection gives you more protection in case of theft. When you charge a Covered Purchase to your Eligible Card, you can be reimbursed for up to 90 days from the date of purchase if the item is stolen or accidentally damaged. We believe everyone should be able to make financial decisions with confidence. Hilton Honors American Express Aspire Card is no longer available through NerdWallet. Fortunately, several American Express credit cards are equipped with the handy purchase protection perk. If an item is broken, take pictures to document the broken item and make sure that you keep the broken item until either it is requested by American Express or your claim is paid and closed. To start the process, log into your AmEx account and go to the claims center page. This card shines for this use, but overall the star ratings may differ when compared to other cards. 5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter (requires activation) and on travel booked through the. One-of-a-kind items, such as rare stamps and coins. In other words, if your item gets damaged when being shipped by FedEx, UPS or similar, it may not be covered under Amexs Purchase Protection (it may however be eligible for some reimbursement by filing a claim through the third-party carrier). You will need to provide American Express with the original store receipt or a printout of an online receipt. Purchase protection covers items you want to keep; return protection covers items you don't want to keep where the store won't accept a return. Compare the cost in points or miles to cash, and see which option is best. Anything purchased for resale or commercial use. 3 points per dollar on eligible Delta purchases; 1 point per dollar on other purchases. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Other shopping protections: Extended warranty protection adds an additional year to eligible manufacturers warranties of three years or less while return protection covers returns within 90 days of purchase. Before making a significant purchase, know the benefits of each card you could use for the purchase. Let's look at how Amex purchase protection works, which AmEx cards feature it and the limitations and exclusions of this coverage. Services and additional costs, such as installation charges, warranties, shipping, handling and memberships. Failing that, I also can search my order history at Amazon, eBay and other online retailers I use. Earning rates: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel booked through the Ultimate Rewards portal; 3% cash back on dining and drugstores; 1% cash back on all other purchases. has been collected independently by NerdWallet. Read more. Be the first to know if we spot anything odd or unusual on your account, thanks to our account and fraud alerts. Terms, conditions and limitations apply. AmEx purchase protection excludes a long list of types of purchases, including: Antiques, artwork and previously used items. Visit americanexpress.com/benefitsguide for details. Nonetheless, this useful benefit can save you hundreds (maybe thousands) if you have the misfortune of theft or damage on a covered purchased item within 90 days of purchasing the item. A variable APR of 19.49%28.24% applies thereafter. Terms apply. Read more. * These cards include: The Platinum Card from American Express. Permanent household items such as carpet, flooring, air conditioners and refrigerators. To take advantage of this benefit, first review your card's benefit statement to see whether you are eligible for reimbursement if a purchase is damaged, stolen or lost. Yes, cardmembers of the American Express Gold Card are covered by AmEx's purchase protection coverage. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. TPG values this bonus at $1,200. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Join Date: Aug 2009. $10,000 per claim, $50,000 per year for the, Delta SkyMiles Reserve American Express Card. Purchase protection can reimburse you for the cost of repairing or replacing the item you purchased, assuming you paid for it with a card that provides purchase protection. However, only some credit cards offer purchase protection, and the benefits tend to vary across cards. Additional reporting by Stella Shon, Carissa Rawson, Christina Ly and Ryan Smith. If your Card is not listed on this page, if you are an Additional Card Member, or to determine whether you have coverage, please call the number on the back of your Card to verify your benefits View Policy View Policy View Policy View Policy Does the Gold card have purchase protection? Not a Cardmember yet? In contrast, several premium American Express Cards provide coverage of up to $10,000 per incident, up to $50,000 per card member account per calendar year. NerdWallet strives to keep its information accurate and up to date. If you need to make a claim, you will receive a reimbursement either for the item or the cost to replace the item, up to the coverage limits on your American Express card. I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair even if it means sacrificing bonus points. Something went wrong. Whether you want to pay less interest or earn more rewards, the right card's out there. This card might not be the right fit if you're looking for price protection or earning more than 1 point per dollar spent on most purchases that are eligible for purchase protection. For most claims, you'll typically need to submit: A copy of your credit card statement with the purchase. Plus, your own feed of TPG content. is no longer available through NerdWallet. If you claim an item was stolen you will need a police report. Official application link: Chase Freedom Flex. Find the right card for you. The purchase protection benefit offered by select credit cards covers eligible purchases against accidental damage or theft and for some cards, loss in the first few months after you use an eligible card to pay for the purchase. In this post, Ill look at the three different shopping protection policies offered by many American Express cards and explain how you can leverage these benefits to save money. Coverage can vary based on your state of residence, though, and bonus categories sometimes have caps. I was notified about a week later that my claim had been accepted, and I was issued a statement credit for the purchase price. Let's take a look at the current coverage on, holders are covered for up to 90 days from the date of a covered purchase of an eligible item. How To Find The Cheapest Travel Insurance. All financial products, shopping products and services are presented without warranty. Maximum coverage per account for purchase protection: $50,000 per card per calendar year. This influences which products we write about and where and how the product appears on a page. An increasing number of brick-and-mortar retailers (from The Home Depot to the Apple Store) will now email you a receipt from the register. Do not sell or share my personal information. Check your benefits guide for complete details. There's a lot to love about the Amex Gold card. Extended Warranty benefits extend your manufacturers warranty coverage, often by as much as a year. Meanwhile, here's the list of small business cards from AmEx with this benefit: The Business Platinum Card from American Express. This post contains references to products from one or more of our advertisers. ^ Eligibility and benefit levels vary by card. Simply losing or misplacing the purchase (although the policies for the Delta Reserve, Delta Reserve Business, Hilton Aspire and all consumer versions of the Amex Platinum Card do cover lost or misplaced items). Visit americanexpress.com/benefitsguide for details. has been collected independently by NerdWallet . The Centurion Card from American Express and The Business Centurion Card from American Express. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Related: Who should (and shouldnt) get the Capital One Venture X card? Check your eligibility here. Ben Luthi is a former credit card specialist for NerdWallet. The American Express Gold Card has one of the lowest annual fees of American Express cards that offer generous $10,000 purchase protection coverage per item (excluding natural disasters). It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well. Please try again later. Amex purchase protection has been absolutely fantastic for the occasional janky Amazon purchase, particularly marketplace items. In the case of a damage claim, you may need to send in the broken item. Negotiable instruments including travelers' checks and gift cards. Purchase Protection is normally not the first benefit that comes to mind when you think of your American Express card perks. Beyond that, I think its prudent to factor these protections into your decision of which card to use whenever you make a large purchase. With purchase protection, you can file a claim to be reimbursed for any eligible item you bought with The Platinum Card from American Express if . These cards, each chosen with a particular type of consumer or purchase in mind, are discussed below. As with any insurance or coverage product, AmEx purchase protection comes with limitations and exclusions. Though the majority of cards within the American Express portfolio carry purchase protection as a perk, you wont get the same level of coverage from all credit cards. Eligibility and Benefit level varies by Card. With most Amex cards, youre covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesnt include any shipping or handling expenses. The coverage maximum with most American . All financial products, shopping products and services are presented without warranty. I got off my flight and realized 20 minutes later that they were missing, I ran back to my gate and asked the flight attendant to go look for me and she said they weren't in my seat. Please read important exclusions and restrictions. Disclaimer: NerdWallet strives to keep its information accurate and up to date. The purchase must be made in the United States, be in like new condition and the merchant must have previously denied the return. 1 Terms, conditions and exclusions apply. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. Big spenders should note that the purchase protection on The Platinum Card from American Express only covers up to $10,000 per covered purchase. Finally, some American Express cards offer purchase protection even when you lose a recently-purchased item. 2 points per dollar on flights booked directly with United, dining and hotel stays when booked directly with the hotel; 1 point per dollar on other purchases. For an explanation of our Advertising Policy, visit. In addition to stolen and damaged items, AmEx purchase protection also covers items lost within the coverage period. Related: Your complete guide to shopping protections on American Express cards. Subject to additional terms, conditions and exclusions. From porch pirates to Murphy's law, a lot can go awry between the time you buy an item and make use of that purchase. The Platinum Card, Gold Card, Delta SkyMiles Reserve Card, Hilton Aspire Card, and Marriott Bonvoy Brilliant Card are just a few examples. Business cards are no exception. Press question mark to learn the rest of the keyboard shortcuts. Policies are underwritten by AMEX Assurance Company. Not all purchase protection benefits are created equal. Submitted a claim and it was approved the next day. All Credit Intelcontent is written by freelance authors and commissioned and paid for by American Express. Learn more: The best travel credit cards right now. More information can be found here. For most people, the purchase protection benefit offered by some credit cards flies under the radar. Business fixtures including air conditioners, refrigerators and heaters. Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased through. Negotiable instruments, such as stamps and travelers' checks. Dozens of cards offer this benefit. Finally, its not that hard to snap a photo of a receipt and retain it in your smartphones cloud storage archive for many years. Purchase Protectioncan help protect Covered Purchases made with your Eligible Card against accidental damage, theft and sometimes provide lost coverage for certain Eligible Card products for up to 90 days from the Covered Purchase date. This is important because many cardholders believe American Express has the least painful claim process of any issuer. You will be asked certain questions about your claim at that time. Let's take a look at the current coverage on The Platinum Card from American Express as an example. We may receive compensation when you click on links to those products. For return protection, you have to file a claim within 90 days of your original purchase.. Purchases must be made in the U.S. or its territories1. Terms apply. If you have questions, please consult your own professional legal, tax and financial advisors. As always, check your credit cards guide to benefits to see which benefits apply to you. The information for the Amex Green Card has been collected independently by The Points Guy. Check your benefits guide for complete details. New comments cannot be posted and votes cannot be cast. Amex members get a variety of benefits including exclusive rewards and discounts, 24/7 customer service, travel benefits such as trip protection and car rental savings, and access to extraordinary events.
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